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Neil Faulkner, 4thWay Head of Research

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Neil Faulkner is 4thWay CEO and Head of Research. He has this to say about himself:

“My background is diverse, including a long stint as a financial and investment journalist, and media spokesperson for investing website The Motley Fool. I quit to spend a year interviewing CEOs and other key people at P2P lending sites, and working alongside specialists at 4thWay from the fields of banking, lending and debt investments, in order to become one of the world’s leading experts on peer-to-peer lending, before the eventual launch of 4thWay five years ago.

“Since then, I have continued to hone my knowledge through thousands of hours of research and interviews, and by leading a very much data-led organisation, with talented and experienced colleagues from a range of useful backgrounds.

“I believe I am the most quoted independent commentator on the industry in the UK’s national media, and I am consulted by the FCA, financial advisor groups and industry CEOs on important industry topics.”

Funding Circle Review In 2020 For Investors

4thWay’s Funding Circle Review Key findings for my Funding Circle Review My gut feeling about Funding Circle is sort of positive, but sadly not supported by enough information. With less information now coming from Funding Circle, it’s become a touch too difficult for lenders and independent analysts to assess its performance and ability. This Funding… Read more

Zopa Review – An Analyst’s Review Of Zopa For Investors

This is an analytical Zopa review for lenders (otherwise known as investors). You can also visit our peer-to-peer lending comparison tables or IFISA tables to see how Zopa compares. 4thWay’s Zopa Review The oldest peer-to-peer lending website shows its maturity in its results. Full Zopa review: starting with Zopa news Turning to what’s new in… Read more

Proplend Review

This is a Proplend review, written by one of our specialists. You can find more reviews in our comparison tables. 4thWay’s Proplend Review Fantastically good property security, usually backed up by steady rent, and excellent returns for lenders. Proplend Review: their best-rated product This account has been paying interest after bad debts. Read about the… Read more

Update on HNW Lending’s Pause In Lending

Update on 15th October, 2020 The initial article from August is below, but here’s an update as of 15th October, 2020. HNW Lending has informed 4thWay that, roughly two weeks ago, the FCA said it’s “a matter of weeks not months now” before coming to its new conclusions on HNW Lending. HNW Lending believes it… Read more

Predicting the Property Market For P2P Lending

Certainly, it’s not much of a prediction to guess that, over the long term, house prices will rise. I mean that’s very clear. So I’m concerning myself today with short-term house prices, which can be more relevant when lending anyway. House-price movements change the risks in lending, especially property lending. Rising house prices help to… Read more

Which P2P Lending Sites Offer FSCS Protection?

Your cash – but not loans – held by a P2P lending site may or may not be covered by the FSCS. I’ll give my view on how important this protection is, explain why not all sites offer it, and give you a list of the P2P lending sites where the FSCS situation has been… Read more

RateSetter Review – Investment Analysis By 4thWay

This RateSetter review, written by one of the world’s foremost authorities on peer-to-peer lending, is in two parts. The first part is taken our Quick Expert Review series, which quickly covers the author’s main points and opinions. The second part makes up the rest of the full RateSetter review, which is especially for people who… Read more

What Investors Can Learn From RateSetter’s Sale To Metro Bank

RateSetter and Metro Bank have done a deal: RateSetter has been sold to Metro. RateSetter’s existing lenders will see their existing loans paid off while borrowers meet their repayments, as usual. Buto new lending will occur through the platform. Metro Bank will use RateSetter’s lending infrastructure to grow its own lending. I want to tell… Read more

The BridgeCrowd Review: Earn 9% On Property Loans

BridgeCrowd Review: it professes solid loans and interest rates, but insufficient information It’s now over half way through 2020. BridgeCrowd had a fantastic record up to mid-2018 – when its information stops. 4thWay has not been able to assess BridgeCrowd for several years. And the figures we present to you on the 4thWay website –… Read more

Peer-to-Peer Lending Guide: It’s All In Here!

The 4thWay® Peer-to-Peer Lending Guide is the most candid and comprehensive guide of its kind. We’ve broken the guide down into: 1) A few key chapters with what everyone needs to know; 2) Then there’s more detail for those who need it; 3) And then there’s just silly amounts of detail for those of you (ok,… Read more

Today’s average interest rates

What is the “4thWay”?

There's the savings way, the property way, the stock-market way, and now there's the peer-to-peer lending way. The 4thWay® to save and invest.
Learn more.

What does 4thWay do?

We help people save and make more money, more safely when they cut out the banks and lend directly to other people and to businesses.

Why use 4thWay?

4thWay® is shaped by investors, bank risk modellers and a senior debt specialist, and we're governed by our users to ensure our comparison services and research are trustworthy and complete.

Why are Wellesley’s interest rates different?

Wellesley’s P2P lending rates appear higher on its own website than on 4thWay®.

This is because we calculate Wellesley’s interest rates the same way most other P2P lending websites do. We do this so that you can compare the rates more easily and so that they show a more accurate picture of what you’ll earn.

Important information before you visit Wellesley & Co.

Wellesley & Co. is primarily a P2P lending website.

But, when you visit the Wellesley website, you’ll see that it also offers “bonds”. Unlike its P2P lending service, its bonds don’t allow you to lend directly to 100+ borrowers.

Instead, you lend to Wellesley and it lends to other borrowers.

We have not risk-rated either of those bonds, but we expect that their structure makes them more risky, particularly because you’re lending to just one borrower.

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Why are Wellesley’s interest rates different?

Wellesley’s P2P lending rates appear higher on its own website than on 4thWay®.

This is because we calculate Wellesley’s interest rates the same way most other P2P lending websites do. We do this so that you can compare the rates more easily and so that they show a more accurate picture of what you’ll earn.

Important information before you visit Wellesley & Co.

Wellesley & Co. is primarily a P2P lending website.

But, when you visit the Wellesley website, you’ll see that it also offers two “bonds”, one of which is available as an ISA.

Unlike its P2P lending service, neither of these bonds allows you to lend directly to 100+ borrowers.

Instead, you lend to Wellesley and it lends to other borrowers.

We have not risk-rated either of those bonds, but we expect that their structure makes them more risky, particularly because you’re lending to just one borrower.

Got it

×

Why are Wellesley’s interest rates different?

Wellesley’s P2P lending rates appear higher on its own website than on 4thWay®.

This is because we calculate Wellesley’s interest rates the same way most other P2P lending websites do. We do this so that you can compare the rates more easily and so that they show a more accurate picture of what you’ll earn.

Important information before you visit Wellesley & Co.

Wellesley & Co. is primarily a P2P lending website.

But, when you visit the Wellesley website, you’ll see that it also offers two “bonds”, one of which is available as an ISA.

Unlike its P2P lending service, neither of these bonds allows you to lend directly to 100+ borrowers.

Instead, you lend to Wellesley and it lends to other borrowers.

We have not risk-rated either of those bonds, but we expect that their structure makes them more risky, particularly because you’re lending to just one borrower.

Got it

×

Why are Orchard’s interest rates different?

Orchard’s lending rates appear higher on its own website than on 4thWay®.

This is because we calculate Orchard’s interest rates the same way most other P2P lending websites do. We do this so that you can compare the rates more easily and so that they show a more accurate picture of what you’ll earn.

Got it

×

Why are Wellesley’s interest rates different?

Wellesley’s P2P lending rates appear higher on its own website than on 4thWay®.

This is because we calculate Wellesley’s interest rates the same way most other P2P lending websites do. We do this so that you can compare the rates more easily and so that they show a more accurate picture of what you’ll earn.

Important information before you visit Wellesley & Co.

Wellesley & Co. is primarily a P2P lending website.

But, when you visit the Wellesley website, you’ll see that it also offers “bonds”. Unlike its P2P lending service, its bonds don’t allow you to lend directly to 100+ borrowers.

Instead, you lend to Wellesley and it lends to other borrowers.

We have not risk-rated either of those bonds, but we expect that their structure makes them more risky, particularly because you’re lending to just one borrower.

Got it

×
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